How many of those overdue payments are overdue for this long despite a comparable capacity to pay back (a 5 figure sum from a 13 figure net worth buyer)? Imagine a 7 figure retirement couple (now a modest baseline for retirement in the US) delaying to pay back a 2 figure restaurant bill for over a month for reasons that might be good if only they were willing to disclose the reasons. Still a lot, maybe? Until you add that the buyer wrongly told the restaurant owner on three separate occasions that at least one payment (whether full or partial) would go through, which in some ways is worse than radio silence.

Maybe my retirement couple numbers were too forgiving. Change the 7 above to 8. Now I regret using retirement as an example. Imagine a 9 figure net worth business being unable to pay back a 9 - (13-5) = 1 figure B2B bill. Make it 2 figures for margin of error.